1. Automatic transfer of majority of pay into High-Interest account. Leave only a week's expenses in your checking account, which is replenished every week
2. Paperless, automatic billing on credit-card for regular utility bills, which is paid in full at the end of the month
3. Low limit credit card only for online transactions
4. Automatic transfer of money to savings and retirement accounts
5. Automatic systematic investment into managed funds or index funds every month
6. Track all online transactions and net-worth movement through mint.com or Yodlee Moneycenter (Yodlee is the backend for most automated account aggregation websites, whether supported by a bank or independent. It doesn't have mint's ads)
7. Minimize the amount spent through cash (things bought with cash have to be tracked manually)
8. Get term insurance to cover your human life value
9. Get health, home and contents insurance, disability insurance
10. Decide on an asset allocation between cash (emergency fund and for daily expenses), debt funds, equity funds, gold and property and invest appropriately. Re-balance every 6-12 months.
11. Have a will in place and your family/executor knows about it.
12. Pay of debts as soon as possible (Dave Ramesey's debt snowball is a good way to achieve this, which factors in behaviour as well)
13. Don't buy a McMansion
14. Buy cars with cash in full. Start saving for your next car as soon as you buy one. Buy a two year old model which has good reliability, high-fuel efficency and low number of miles run.

Paperless billing. I've authorized all my vendors that offer it to send me emails rather than paper bills. This not only helps the environment but it puts all my bills in one place, easy to categorize and search when needed.

Mint.com. Not only has it put all my various accounts in one location but the dead simple budgeting aspect has allowed me to keep an actual budget for the first time without getting bored.

I stay single. :-) When you're the only one making expenses in a household, personal finances are a bit easier.

In general, I try to pay as much as possible with my bank card (plastic) which I can then backtrace when I'm doing online banking. Of course, online banking itself is making things easier too. Once a month, I just download a status overview from my bank site as CVS, import it in Excel, make it an Excel list so I can filter and sort it and then just examine where my money went. I have considered using something more complex, even considered writing some tool for this myself, but basically my expenses are very simple. Rent, which includes gas and light, insurances, taxes, groceries, savings, a few other minor costs and a whole bunch of money for my hobbies.

Of course, even though I do have three bank accounts, I just use one for all my payments. I use the second one as back-up, in case I still have some of the month left at the end of my cash. And the third account is where I just save just in case I have some real big expenses.

Paperless billing / online billpay through your credit union. Spreadsheets to manage income vs budgeted expenses. Cash (and an envelope system) to manage day-to-day expenses.

If it's taking you more than 20 mins every month, you're doing something wrong. (Oh, and I'm married -- so that 20 mins includes communicating with your spouse).

Finally biting the bullet and working to consolidate everything in a business account.

I know I should have done this a long time ago, but it will make 2010 taxes much easier.

Using quicken (and mint.com) mean I only really need to punch a couple of update buttons to get all my transactions. Spending 5 minutes a night confirming I really spent the money keeps my balances up to date and I can watch for fraud for free.

Another benefit is after using Quicken for years, I finally started to use the budgeting tools and they work pretty well once you understand what quicken wants me to do with them. (Once I start looking at the budgeting reports in both sites I can spend an hour planning stuff out, but I only do that once or twice a month, but I enjoy it)

Mint has very simple budgeting tools, and most importantly of all it sends emails to my wife who then knows when we went over our budget. We agreed on the numbers and mint makes it very easy for her to keep track of where we are. She doesn't want to log into a website everyday.

Quicken however allows for more granular control of budget items. While mint is either every month of every few months, Quicken allows me to plan large expenses like insurance in the month they happen. There are more reports for the budget in quicken, and I can customize my own for my needs. Quicken's budget can be setup for the whole year and I can have a snap shot of how I am doing monthly or for the whole year.